phlag Casino – Terms & Conditions

By accessing, registering on, or using the phlag Casino platform (accessible at phlag.vip and any associated mobile-optimized versions thereof, collectively referred to as "phlag," "the Platform," or "the Service"), you ("the User," "you," or "your") acknowledge that you have read, understood, and agree to be legally bound by these Terms & Conditions ("Terms"), together with phlag's Privacy Policy and Responsible Gaming Policy, all of which are incorporated herein by reference.

These Terms apply to all visitors, registered users, and any other persons who access or use the phlag platform in any capacity. If you are accessing phlag on behalf of a third party, you represent and warrant that you have the authority to bind that party to these Terms.

Access to phlag Casino is strictly limited to individuals who meet all of the following eligibility criteria:

• You are at least 21 years of age, which is the minimum legal age for casino-style gambling in the Philippines as prescribed under applicable PAGCOR regulations and Philippine law.
• You are physically located in a jurisdiction where online gambling is lawful at the time of placing any wager.
• You are not a resident of any jurisdiction where online gambling is prohibited by applicable law.
• You are not acting as an agent, representative, or nominee for any other person in connection with your use of phlag.
• You have not previously been excluded from phlag or any other gaming platform operated under the same regulatory framework.

phlag employs age verification procedures during the account registration process. You may be required to submit government-issued identification documents to confirm your age and identity. phlag reserves the right to suspend or permanently close any account where age verification cannot be satisfactorily completed, and to withhold any funds in such accounts pending investigation.

3.1 One Account Per Person

Each individual may hold only one registered account on phlag. The creation of multiple accounts by the same individual — whether using different email addresses, mobile numbers, payment methods, or device identifiers — is strictly prohibited and constitutes grounds for immediate account suspension and forfeiture of all associated balances.

3.2 Accuracy of Information

You agree to provide accurate, current, and complete information during the registration process and to update such information promptly if it changes. phlag is not liable for any loss or inconvenience arising from your failure to maintain accurate account information. Providing false or misleading information during registration is a material breach of these Terms.

3.3 Account Security

You are solely responsible for maintaining the confidentiality of your phlag account credentials, including your username, password, and any two-factor authentication codes. You must notify phlag immediately if you suspect any unauthorized access to your account. phlag will not be liable for any loss resulting from unauthorized use of your account where you have failed to take reasonable steps to protect your credentials.

3.4 Account Verification (KYC)

phlag may, at any time and at its sole discretion, require you to complete a Know Your Customer (KYC) verification process. This may include submission of a valid government-issued photo ID (such as a Philippine passport, SSS ID, UMID, or driver's license), proof of address, and proof of payment method ownership. Failure to complete KYC verification within the timeframe specified by phlag may result in account suspension and withholding of withdrawal requests.

4.1 Accepted Payment Methods

phlag accepts deposits and processes withdrawals through the following payment channels, subject to availability and applicable limits:

• GCash (e-wallet)
• PayMaya / Maya (e-wallet)
• Bank transfer via BPI, BDO, Metrobank, UnionBank, Landbank, PNB, and Security Bank
• Debit card (Visa/Mastercard debit, issued by Philippine banks)

phlag does not accept deposits funded by credit cards for gambling purposes, in compliance with current Philippine payment regulations. Cryptocurrency deposits and withdrawals are not supported on the phlag platform.

4.2 Deposit Limits

Minimum and maximum deposit amounts are displayed within your phlag account dashboard and may vary by payment method. phlag reserves the right to adjust these limits at any time. Players are encouraged to set personal deposit limits through the responsible gaming tools available in their account settings.

4.3 Withdrawal Processing

Withdrawal requests are processed subject to completion of any applicable wagering requirements and KYC verification. phlag aims to process GCash and PayMaya withdrawals within five (5) minutes of approval during normal operating hours. Bank transfer withdrawals may take one (1) to three (3) business days depending on the receiving institution. phlag reserves the right to conduct additional security checks before processing any withdrawal, which may extend processing times.

4.4 Currency

All transactions on phlag are denominated in Philippine Peso (PHP / ₱) unless otherwise specified. Currency conversion fees, if applicable, are the sole responsibility of the account holder.

phlag may, from time to time, offer bonuses, free spins, cashback promotions, and other incentives to registered players. All bonuses and promotions are subject to specific terms and conditions that will be communicated at the time of the offer. The following general principles apply to all phlag promotions:

• Bonuses are intended for personal, recreational use only and may not be transferred between accounts.
• Wagering requirements must be met before bonus-derived winnings can be withdrawn. The applicable wagering multiplier will be stated in the specific promotion terms.
• phlag reserves the right to withdraw, modify, or cancel any bonus or promotion at any time without prior notice, provided that any wagering requirements already in progress will be honoured under the original terms.
• Abuse of bonus offers — including but not limited to creating multiple accounts to claim the same promotion, or using low-risk betting strategies to circumvent wagering requirements — will result in forfeiture of the bonus and associated winnings, and may result in account suspension.
• phlag's decision on all bonus-related disputes is final and binding.

All games available on the phlag platform are operated using certified Random Number Generator (RNG) technology or, in the case of live dealer games, conducted by trained human dealers under controlled studio conditions. Game outcomes are independently audited for fairness by accredited third-party testing laboratories.

Each game on phlag is governed by its own specific rules, which are accessible within the game interface. It is your responsibility to familiarise yourself with the rules of any game before placing a wager. phlag is not liable for losses arising from a player's misunderstanding of game rules.

In the event of a technical malfunction during a game session — including but not limited to server disconnection, software errors, or display glitches — phlag reserves the right to void the affected round and return the wagered amount to the player's account. Winnings generated during a demonstrably malfunctioning game session may be voided at phlag's discretion.

The following conduct is strictly prohibited on the phlag platform. Engaging in any of the following may result in immediate account suspension, forfeiture of balances, and referral to relevant law enforcement or regulatory authorities:

• Using the phlag platform for any unlawful purpose, including money laundering, fraud, or financing of illegal activities.
• Providing false, inaccurate, or misleading information during registration or at any point during your use of phlag.
• Attempting to manipulate game outcomes through the use of software bots, automated scripts, artificial intelligence tools, or any other technological means not expressly authorised by phlag.
• Colluding with other players to gain an unfair advantage in any game, including but not limited to poker, live dealer games, and tournaments.
• Exploiting software bugs, errors, or vulnerabilities in the phlag platform. Any such vulnerabilities must be reported to phlag immediately. Exploitation of known or discovered bugs for financial gain is a material breach of these Terms.
• Engaging in any form of harassment, abusive language, or threatening behaviour toward phlag staff, live dealers, or other players.
• Attempting to access another player's account without authorisation.
• Using a VPN, proxy server, or other means to circumvent geographic restrictions or to misrepresent your location.

phlag is committed to promoting responsible gaming practices and providing tools that help players maintain control over their gambling activity. The following responsible gaming features are available to all registered phlag users:

• Deposit Limits: Set daily, weekly, or monthly limits on the amount you can deposit into your phlag account.
• Loss Limits: Cap the amount you are willing to lose within a defined period.
• Session Time Reminders: Receive notifications after a specified period of continuous play.
• Cooling-Off Periods: Temporarily suspend your account for a period ranging from 24 hours to six weeks.
• Self-Exclusion: Permanently close your phlag account and request exclusion from all phlag marketing communications.

phlag strongly encourages all players to use these tools proactively. If you believe your gambling is becoming problematic, please visit our Responsible Gaming page for further guidance and resources.

All content on the phlag platform — including but not limited to the phlag name and logo, game graphics, software, text, images, audio, video, user interface design, and underlying source code — is the exclusive intellectual property of phlag Casino or its licensed content providers, and is protected by applicable Philippine and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the phlag platform solely for your personal, non-commercial entertainment purposes. This licence does not include the right to:

• Copy, reproduce, distribute, or publicly display any phlag content without prior written authorisation.
• Modify, adapt, translate, or create derivative works based on phlag content.
• Reverse-engineer, decompile, or disassemble any software component of the phlag platform.
• Use phlag's trademarks, logos, or brand assets in any manner that implies endorsement or affiliation without express written consent.

Any unauthorised use of phlag's intellectual property may result in immediate account termination and may expose you to civil and criminal liability under the Intellectual Property Code of the Philippines (Republic Act No. 8293).

To the fullest extent permitted by applicable Philippine law, phlag Casino, its officers, directors, employees, agents, licensors, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of, or inability to use, the phlag platform, including but not limited to:

• Loss of winnings or anticipated profits due to technical malfunction, server downtime, or connectivity issues beyond phlag's reasonable control.
• Losses arising from your reliance on any information or content published on the phlag platform.
• Unauthorised access to your account resulting from your failure to maintain adequate credential security.
• Interruption or cessation of the phlag service due to regulatory action, force majeure events, or scheduled maintenance.

phlag's total aggregate liability to you for any claim arising under or in connection with these Terms shall not exceed the total amount deposited by you into your phlag account in the thirty (30) days immediately preceding the event giving rise to the claim.

phlag collects, processes, and stores personal data in accordance with its Privacy Policy and the requirements of the Data Privacy Act of 2012 (Republic Act No. 10173) of the Philippines. By registering an account on phlag, you consent to the collection and processing of your personal data as described in the Privacy Policy.

phlag will not sell, rent, or otherwise disclose your personal data to unaffiliated third parties for their own marketing purposes without your explicit consent. phlag may, however, share your data with:

• Regulatory authorities, including PAGCOR, where required by law or regulation.
• Payment processors and financial institutions for the purpose of processing your transactions.
• Third-party identity verification and KYC service providers.
• Law enforcement agencies where disclosure is required by a valid legal order.

For full details on how phlag handles your personal information, please review our Privacy Policy.

phlag reserves the right to amend, update, or replace these Terms & Conditions at any time. When material changes are made, phlag will notify registered users via the email address associated with their account and/or by displaying a prominent notice on the platform prior to the changes taking effect.

The date of the most recent revision is indicated at the top of this page. Your continued use of the phlag platform after the effective date of any revised Terms constitutes your binding acceptance of those changes. If you do not agree to the revised Terms, you must cease using phlag and may request account closure by contacting our support team.

These Terms & Conditions shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law provisions. Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or validity thereof, shall be subject to the exclusive jurisdiction of the competent courts of the Philippines.

Before initiating any formal legal proceedings, you agree to first attempt to resolve any dispute with phlag informally by contacting our customer support team. phlag will make reasonable efforts to resolve disputes amicably within thirty (30) calendar days of receiving written notice of the dispute.

Nothing in this clause shall prevent either party from seeking urgent injunctive or other equitable relief from a court of competent jurisdiction where necessary to prevent irreparable harm.

If you have any questions, concerns, or feedback regarding these Terms & Conditions, please contact the phlag support team through the following channels:

• Email: [email protected]
• Live Chat: Available 24/7 directly within the phlag platform
• Support Hours: Round-the-clock, including Philippine public holidays

phlag's support team includes agents fluent in English, Tagalog, and Cebuano. We aim to respond to all written enquiries within twenty-four (24) hours.